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City · 9,994 residents · Crisp County, Georgia

Cordele , Georgia

In Cordele, a typical home is worth $121,500 and typical rent is $786 a month. Compared with all of Crisp County, typical household income is 25% lower, the typical home value is 13% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $121,500

    13% below the county

    60% below Georgia

    • Cordele
    • Crisp
    • Georgia

  • Typical rent

    $786a month

    About the same as the county

    44% below Georgia

    • Cordele
    • Crisp
    • Georgia

  • Typical household income

    $33,800a year

    25% below the county

    56% below Georgia

    • Cordele
    • Crisp
    • Georgia

  • Households that own their home

    39%

    17 points below the county

    27 points below Georgia

    • Cordele
    • Crisp
    • Georgia

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$140,049
4% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Cordele is in Crisp County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Crisp County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cordele apart

What this place has that others do not, from public data, most unusual first.

  1. Cordele has the lowest typical household income of the 162 cities in Georgia with more than 5,000 people: $33,800.

  2. 39% of households in Cordele own their home, against 56% in Crisp County.

  3. Cordele has the 9th lowest typical home value of the 164 cities in Georgia with more than 5,000 people ($121,500).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Cordele rose 4%; in Georgia, it fell 0.6%.

  5. Nearby, in Fitzgerald, the typical home value is $99,000: 19% less than in Cordele ($121,500).

  6. Cordele has the 11th lowest typical rent of the 162 cities in Georgia with more than 5,000 people ($786).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Cordele

What homes there are in Cordele, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Cordele, but it weighs less than in Crisp County: 57% against 64%.

Year built

Homes in Cordele are older: the typical year built is 1978; in Crisp County, 1984.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

About 76% of rented homes in Cordele cost less than HUD's 2-bedroom fair market rent for Crisp County ($1,002).

With a mortgage

$1,461 a month

Crisp County: $1,433 a month

Without a mortgage

$588 a month

Crisp County: $519 a month

Owners with a mortgage

49%

Crisp County: 49%

The typical cost for an owner with a mortgage in Cordele is $1,461 a month, near the figure in Crisp County ($1,433).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Cordele rose 62%; in Crisp County, it rose 69%.

The typical rent in Cordele rose 31% over the same time; in Crisp County, it rose 20%.

To compare: typical income in Cordele rose 58%; the home, +62%; the rent, +31%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCordeleCrisp CountyGeorgiaUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.4%3.4%
People per household 2.352.462.622.53
Drive alone 85%81%71%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate6%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Crisp County, a household in Cordele has 2.35 people on average.

The car rules in Cordele: 85% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Cordele?

A typical home costs more than the typical income allows

We start with a typical home in Cordele, worth $121,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Cordele, which is $33,800 a year. For that payment to be 28% of income, a household would need to earn about $43,622 a year.

The calculator's FHA and conventional loan limits are those of all of Crisp County.

Your numbers

Local data
$

Starts at the typical home value in Cordele. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $4,253 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,018

at 7.18% · 30 years

Loan amount
$119,299
Total interest
$171,643
Paid off in
November 2056

Includes $2,052 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $789 a month

  • Tight

    $789 to $1,014 a month

  • Hard

    more than $1,014 a month

    Your payment · 36%

Compared with the typical household income in Cordele ($33,800 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,018
Principal & interest$808
Property tax$105
Home insurance$51
FHA mortgage insurance (MIP)$54

You need at least $4,253 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Cordele and Crisp County

Cordele is in Crisp County, Georgia. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Cordele's own numbers

Typical home value
$121,500
Typical monthly rent
$786
Typical yearly household income
$33,800
Households that own their home
39%
Effective property tax rate
1.04%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Crisp County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,002
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
7.3%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Crisp County.

Everything about Crisp County

Buying

Buying a home in Cordele

A typical home in Cordele is worth $121,500: 13% below the county and 60% below Georgia. With the typical household income in Cordele ($33,800 a year), a typical home costs 3.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Cordele 3.6 years
  • Crisp 3.1 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Crisp County

According to FHFA’s house price index, home prices in Crisp County rose 75% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Crisp County.

Period County Georgia U.S.
Last year (2025) +9.8% +2.2% +2.9%
5 years (2020–2025) +59% +58% +47%
10 years (2015–2025) +75% +110% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Cordele next to Crisp County, Georgia and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Cordele $121,500
  • Crisp $140,200
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Cordele $786
  • Crisp $778
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Cordele $33,800
  • Crisp $45,105
  • Georgia $77,353
  • United States $80,734
See the full table
Cordele next to Crisp County and Georgia
Measure Cordele Crisp County Georgia U.S.
Typical home value $121,500 $140,200 $303,300 $332,700
Typical monthly rent $786 $778 $1,393 $1,413
Typical yearly household income $33,800 $45,105 $77,353 $80,734
Households that own their home 39% 56% 66% 65%
Typical yearly property tax $1,266 $1,510 $2,341 $3,119
Effective property tax rate 1.04% 1.08% 0.77% 0.94%
Renters with high rent for their income 50% 51% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Crisp County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Cordele

For a typical $121,500 home in Cordele, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cordele's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,018a month

    Least cash to close
    Down payment
    $4,253
    Cash to close
    $7,898
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $54

  • Conventional, 5% down $996a month

    Down payment
    $6,075
    Cash to close
    $9,720
    Rate
    7.18%
    Mortgage insurance
    PMI · $58

  • Conventional, 20% down, no PMI $814a month

    Down payment
    $24,300
    Cash to close
    $27,945
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $927a month

    Down payment
    $18,225
    Cash to close
    $21,870
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Cordele and for Crisp County.

Property tax

Effective rate in Cordele

1.04%of the home’s value each year

$1,266 a year for the typical owner in Cordele.

  • Cordele 1.04%
  • Crisp 1.08%
  • Georgia 0.77%

What Georgia publishes Standard state homestead exemption (Georgia Department of Revenue)

Exemptions and deadlines in Georgia

Flood risk in Crisp County

FEMA does not publish these numbers by city: they are for all of Crisp County.

Homes in the high-risk zone
7.3%
670
Of those, with NFIP insurance
22%
County Georgia U.S.
Homes in the high-risk zone 7.3% 2% 3.5%
Of those, with NFIP insurance 22% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cordele

Typical rent in Cordele is $786 a month: about the same as the county. In Cordele, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Crisp County, by unit size. To pay the 2-bedroom one ($1,002 a month) without spending more than 30% of your income, you would need to earn $19.27 an hour working full time.

HUD fair market rent for all of Crisp County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $788 $15.15 $31,520
1 bedroom $793 $15.25 $31,720
2 bedrooms $1,002 $19.27 $40,080
3 bedrooms $1,194 $22.96 $47,760
4 bedrooms $1,317 $25.33 $52,680

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Cordele

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cordele is in ZIP code 31015.

For 2 bedrooms it is $1,000: $2 less than the fair market rent for Crisp County ($1,002).

  • 31015 $1,000$1,190

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cordele when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Cordele

HUD lists 21 buildings with rents for lower incomes in Cordele. These are the largest.

  • C C Shearer Homes 1111 McClendon Ct, Cordele 31015 140 low-income homes · Run by Housing Authority of the City of Cordele · Average payment: $363 a month · Average wait: 4 months (229) 273-3938
  • Sunset Homes 503 W 22nd Ave, Cordele 31015 131 low-income homes · Run by Housing Authority of the City of Cordele · Average payment: $362 a month · Average wait: 5 months (229) 273-3938
  • Morningside Homes 610 N 2nd St, Cordele 31015 100 low-income homes · Run by Housing Authority of the City of Cordele · Average payment: $389 a month · Average wait: 3 months (229) 273-3938
  • Pecan Grove Apts 807 Starr Pl, Cordele 31015 88 low-income homes · 1 bd: 26 · 2 bd: 58 · 3 bd: 4 · In service since 2004
  • Pateville Estates 2101 Pateville Rd, Cordele 31015 76 low-income homes · In service since 2004

See all 21 buildings in Crisp County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cordele

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Crisp County. The nearest ones are below; many serve by phone or online.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Cordele

No down payment, repair or rent-help program on our list is for Cordele or Crisp County. The ones below are statewide in Georgia: they work in Cordele the same as in the rest of the state.

Which programs do I qualify for? All programs in Georgia

  • Georgia Dream Homeownership Program

    Statewide in Georgia

    Georgia state program for first-time buyers: a mortgage with down payment assistance of up to 5% of the price or $10,000, as a 0% second mortgage with no monthly payments. Offered by Georgia Department of Community Affairs.

    Deferred

    See the program Official page

  • Georgia Dream Peach Plus Loan Program

    Statewide in Georgia

    FHA or VA mortgage from the Georgia Dream program with down payment assistance of 3.5% of the price (up to $10,000), or 4% (up to $12,500) for police officers, educators, health care workers, military members or families with a person with a disability; no first-time buyer requirement. Offered by Georgia Department of Community Affairs.

    Type not stated

    See the program Official page

Housing counselors near Cordele

The HUD-approved agencies closest to the center of Cordele, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Family Visions Outreach, Inc.

    601 West Price St., Sylvester · 29 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (229) 777-7704

  • Nid-Hca Albany (FLETCHER)

    230 S Jackson St Ste 154, Albany · 35 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (229) 317-4745

  • City of Albany, Georgia

    230 S Jackson St Ste 315, Albany · 35 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (229) 483-7650

All counseling agencies in Georgia

Help in Spanish near Cordele

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Cordele

HUD’s record names them for Cordele or Crisp County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Cordele Public housing (229) 273-3938

All housing agencies in Georgia Source: HUD

Cities

Nearby cities

The cities closest to Cordele, with the typical home value.

Everything about Crisp County Housing in Georgia

Neighboring counties

If Crisp County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Cordele.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Cordele

Short answers with the numbers for Cordele and all of Crisp County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Cordele?

The typical home value in Cordele is $121,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Crisp County it is $140,200.

How much does it cost to rent in Cordele?

Typical rent in Cordele is $786 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Crisp County is $1,002.

What is the FHA loan limit in Cordele?

Cordele uses the FHA limit for all of Crisp County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Cordele?

The typical homeowner in Cordele pays $1,266 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Crisp County, the rate is 1.08%.

Where can I find free help to buy or rent in Cordele?

We found no HUD-approved counseling agencies with an office in Crisp County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).